General Terms and Responsibilities (Terms of Usage)
We cordially welcome you to LibertyAutoLoan.com and thank you for our patronage and/or use of this web site. It is our hope that the services and content provided by LibertyAutoLoan.com will assist you with research, evaluation, and, most especially, in obtaining financing for a vehicle. LibertyAutoLoan.com is a “Consumer Connection” company that helps people who are seeking auto financing – especially people who have credit challenges – get connected with auto finance specialists through our affiliate network of auto dealers and lenders. Please note that we do not approve credit applications, finance auto purchases, or sell automobiles retail.
LibertyAutoLoan.com is owned by Edge Marketing, LLC of Castle Rock, Colorado, USA. For questions, concerns, or issues concerning this web site, or any of the services offered on or provided through LibertyAutoLoan.com, please send an email to: [email protected].
It is the intention of Edge Marketing, LLC that the information, materials, and general content provided on LibertyAutoLoan.com be reliable and accurately presented, however, errors and omissions can and will occur in the course of regular business, and as such, the information presented should not be a user’s sole source of information. We strongly encourage that in any research involving a financial transaction that the consumer review multiple sources and also consult his or her tax and financial advisors. Additionally, improvements, enhancements, additions, and changes may be made to the content on this web site at any time by Edge Marketing, LLC. These may or may not be disclosed to users.
Edge Marketing, LLC is not a lender or auto dealership
Edge Marketing, LLC is not a lender or originator of loans or credit decisions in connection with financing nor are we an automotive dealership or brokerage. Edge Marketing, LLC does not recommend, endorse, or in any way favor any of the products or services of any affiliate lender or affiliate automotive dealership that may obtain your finance application request form from us through our web site. When you fill out your Credit Application on this site and submit it to us, we will forward that form to one or more of our lender or dealer affiliates through our affiliate network. These affiliates will contact you and attempt to assist you with financing and/or vehicle purchasing. Note: In most cases, this Credit Application will be used as a true and final credit application by our affiliates, so it is important that you fill it out accurately and completely.
Edge Marketing, LLC does not act in any capacity as an agent on your behalf, nor of any lending institution, or any participating automobile dealership, or any other participating company or organization. Edge Marketing, LLC’s services are only for providing a connection to a service provider, general administrative, and consumer research purposes. The loan products and options, vehicle purchase options, and other services made available by participating lenders and automobile dealerships should be evaluated by you using your own judgment and with the input of your own financial advisor(s) and broad research using multiple sources.
The lender and/or automotive dealership that facilitates your financing is/are solely responsible for its/their services to you and you agree that Edge Marketing, LLC shall not be liable for any costs or damages of any type that arise from, or are in any way connected, with your personal decision to use of any of these products or services.
Edge Marketing, LLC and/or any participating affiliates or other advertisers reserve the right to suspend, discontinue, terminate, and/or modify the offering of any financing product in any state through this web site as well as to suspend, discontinue, terminate, and/or modify the offering of any other product or service through this web site at any time.
Edge Marketing, LLC does not guarantee that any applicant and/or user will be accepted into or approved for any loan program or the specific financing terms and conditions with any lender participating in, or represented by a dealer in, the program. Any and all standards for financing approval are developed, established, and maintained solely by individual lending institutions. Additionally, Edge Marketing, LLC does not guarantee in any way the financing terms, financing rates, or any other aspect of a financing offer or deal made between you, the user, and any of the lenders that are participating in the program through this web site are the best terms or rates available in the general finance market. Unless it has been expressly stated in writing, nothing contained herein shall in any way constitute an offer or promise for a loan commitment or any type of interest rate “lock-in” agreement.
There is no guarantee that a loan will be given or even offered to any party who uses the connection services provided by Edge Marketing, LLC through LibertyAutoLoan.com.
Ownership and Licensing
This web site (LibertyAutoLoan.com) and any and all content associated with, and displayed on it, including all video, text, graphics, and imagery, as well as any data, software, and information used to produce and provide LibertyAutoLoan.com, are owned by Edge Marketing, LLC, and/or its owners, partners, licensors, licensees, and affiliates and are protected under trademark, copyright, and other applicable laws and treaties, including all applicable intellectual property laws. In addition, and source code, programs, embedded routines, associated services and information, as well as all copyrights, trademarks, patents, and other intellectual property rights are also owned by Edge Marketing, LLC, and/or its owners, partners licensors, licensees, and affiliates.
LibertyAutoLoan.com contains copyrighted works, trademarks, service marks, and other information and material owned by Edge Marketing, LLC. It may also contain copyrighted works, trademarks, service marks, and other information from organizations that are affiliated with, or advertising on, LibertyAutoLoan.com. You expressly agree that you will not copy, use, or in any way infringe upon, alter, remove, or copy these copyrighted works, trademarks, service marks, and other information. You also agree that you will not reproduce, mirror, frame, display, retransmit, or represent any of the web site itself and any content, text, graphics, video, or code from the web site without the express written permission of Edge Marketing, LLC.
Your use of LibertyAutoLoan.com is at Your Own Risk
Before acting on any material or content you have found on LibertyAutoLoan.com, you should obtain independent confirmation of any such material or content that is part of your decision. YOU EXPRESSLY AGREE THAT, SHOULD YOU MAKE THE CHOICE TO RELY ON ANY INFORMATION, CONTENT, PRODUCT, OR SERVICE MADE AVAILABLE THROUGH LibertyAutoLoan.com, YOU DO SO SOLELY AND COMPLETELY AT YOUR OWN RISK. YOU UNDERSTAND AND EXPRESSLY AGREE THAT YOU ARE SOLELY AND COMPLETELY RESPONSIBLE FOR ANY LOSS OR DAMAGE YOU MAY INCUR RESULTING FROM YOUR USE OF ANY INFORMATION, CONTENT, PRODUCT OR SERVICE MADE AVAILABLE THROUGH LibertyAutoLoan.com.
LibertyAutoLoan.com may allow third parties to advertise products or services offered by third-party vendors, either from third party web sites or using other marketing channels. With respect to such third party advertising, LibertyAutoLoan.com is not involved in the selling of these advertised items and is not involved in any transaction between any seller and buyer. Without limiting the foregoing, Edge Marketing, LLC does not endorse, represent, manufacture, collect payments on behalf of third parties, or in any way deliver any item that is advertised by a third-party advertiser. YOU EXPRESSLY AGREE THAT, SHOULD YOU CHOOSE TO DO BUSINESS WITH, OR PURCHASE ANY PRODUCT OR SERVICE FROM, ANY ADVERTISER ON THE LibertyAutoLoan.com WEB SITE THAT YOU DO SO SOLELY AND COMPLETELY AT YOUR OWN RISK. YOU UNDERSTAND AND AGREE THAT YOU ARE SOLELY AND COMPLETELY RESPONSIBLE FOR ANY LOSS OR DAMAGE YOU MAY INCUR THAT RESULTS FROM YOUR PURCHASE OR USE OF ANY PRODUCT OR SERVICE MADE AVAILABLE TO YOU FROM SUCH ADVERTISERS.
Links to third-party Web Sites
LibertyAutoLoan.com contains links and may also make reference to third-party web sites that have no relationship or affiliation with Edge Marketing, LLC. These links may allow you to open a browser window to display another web site or cause you to leave LibertyAutoLoan.com entirely to access the third-party web site. Edge Marketing, LLC does not operate or control, nor inspect or review these sites is not responsible for any content or information displayed on them. The links to third-party web sites are provided to users of LibertyAutoLoan.com for reference purposes and user convenience and do not imply endorsement by Edge Marketing, LLC of any of these third-party web sites or any offers or content they contain. Edge Marketing, LLC disclaims all liability with regard to your choosing to access any of these third-party web sites and your access to any other third-party web sites linked to from LibertyAutoLoan.com is solely and completely at your own risk. Your use of this site provides your agreement that Edge Marketing, LLC is not in any way responsible for the availability or quality of products or services offered by, or any content made available on, any of these third-party web sites.
Limitations of Liability
NEITHER EDGE MARKETING, LLC, NOR ANY OF ITS OWNERS, PARTNERS, AFFILIATES, LICENSORS OR LICENSEES SHALL HAVE ANY LIABILITY FOR ANY OR ALL ERRORS, OMISSIONS, INACCURACIES, OR ANY OTHER DEFECTS IN THE INFORMATION PROVIDED ON LibertyAutoLoan.com. IN NO EVENT SHALL EDGE MARKETING, LLC, ITS OWNERS, PARTNERS, AFFILIATES, LICENSORS OR ITS LICENSEES OR PROVIDERS BE LIABLE TO YOU OR ANYONE ELSE FOR ANY DAMAGES, OTHER THAN DIRECT DAMAGES, ARISING OUT OF YOUR ACCESS TO OR USE OF, OR INABILITY TO USE, LibertyAutoLoan.com OR ANY CONTENT, PRODUCTS OR SERVICES MADE AVAILABLE THROUGH LibertyAutoLoan.com, INCLUDING, WITHOUT LIMITATION, ANY SPECIAL, INDIRECT, CONSEQUENTIAL, PUNITIVE, EXEMPLARY OR SIMILAR DAMAGES WHATSOEVER, INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOST REVENUES OR PROFITS, OR LOSS OF BUSINESS OR DATA, EVEN IF EDGE MARKETING, LLC OR ANY SUCH OTHER PERSON HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
If you are in a state that does not allow the limitation of liability for certain damages, the above limitation of liability or a portion of it may not apply to you. In addition, you also agree that, without limiting the foregoing, the entire liability, if any, of Edge Marketing, LLC, its owners, partners, licensors, licensees, or affiliates, arising out of any kind of legal claim, whether in contract, tort or under any other legal theory, arising out of your access to, or use of, or inability to use, LibertyAutoLoan.com or any content, products or services made available through LibertyAutoLoan.com will not exceed the amount that you paid to Edge Marketing, LLC for the use of LibertyAutoLoan.com.
Because some jurisdictions do not allow the disclaimer, exclusion or limitation of consequential and/or incidental damages, the previous disclaimer, exclusion, and limitation may not be applicable to you. You may have other legal rights that vary according to jurisdiction. In no event will damages provided by law (if any) apply unless they are required to apply by statute, notwithstanding their exclusion by contract.
Disclaimer of Warranties
ALL INFORMATION, PRODUCTS, CONTENT AND OTHER MATERIALS IN THE SITE, ACCESSIBLE FROM THE SITE, OR IN A THIRD-PARTY SITE ARE PROVIDED “AS IS” AND WITHOUT WARRANTIES OR REPRESENTATIONS OF ANY KIND, EITHER EXPRESS OR IMPLIED. THIS MEANS THAT LibertyAutoLoan.com EXPRESSLY DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION THE WARRANTIES OF TITLE AND NON-INFRINGEMENT AND THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. IN ADDITION, LibertyAutoLoan.com DOES NOT REPRESENT OR WARRANT THAT: (I) THE OPERATION OF THE SITE WILL BE ERROR-FREE OR UNINTERRUPTED; (II) DEFECTS WILL BE CORRECTED; (III) THE SITE, ANY EMAILS SENT BY LibertyAutoLoan.com, OR THE SERVER THAT MAKES THE SITE AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL DEVICES; (IV) THE SITE WILL BE AVAILABLE TO YOU OR THAT YOU WILL QUALIFY FOR PRODUCTS OR SERVICES OFFERED; (V) THE MATERIALS IN THE SITE WILL BE ACCURATE AS OF ANY PARTICULAR DATE; OR (VI) THE PRODUCTS OR SERVICES OFFERED THROUGH THE SITE ARE AVAILABLE OUTSIDE OF THE UNITED STATES OR IN JURISDICTIONS IN WHICH THIRD PARTY PROVIDERS IS NOT PROPERLY LICENSED TO DO BUSINESS.
IF YOU ARE IN A STATE THAT DOES NOT ALLOW A DISCLAIMER OF IMPLIED WARRANTIES, THE ABOVE DISCLAIMER OR A PORTION OF IT MAY NOT APPLY TO YOU.
NO MATERIAL, CONTENT OR ANY OTHER INFORMATION, WHETHER VERBAL OR IN WRITING, OBTAINED BY YOU FROM LibertyAutoLoan.com OR THROUGH OR ANY SERVICES SHALL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THIS AGREEMENT OF USAGE.
You agree that, as with any online service, content omissions, service interruptions, delays, information inaccuracy, typographical errors, and/or other problems with the content, products and services available through, published on, or promoted via LibertyAutoLoan.com are inevitable. This includes material, content, products, and services referred to, advertised, or promoted on, or sold though LibertyAutoLoan.com. Neither LibertyAutoLoan.com, nor any of its owners, employees, contractors, partners, affiliates, licensors, or licensees warrant that LibertyAutoLoan.com or the server that makes it available are free of viruses or other harmful elements, will provide uninterrupted service, or are error-free in regard to material or content, nor does LibertyAutoLoan.com make any warranty as to the results that may be obtained from the use of LibertyAutoLoan.com, or as to the completeness, accuracy, or reliability of the information or of any material, content, product or service provided or made available through LibertyAutoLoan.com.
WITHOUT LIMITATION TO THE GENERALITY OF THE FOREGOING AND TO THE EXTENT PERMITTED BY APPLICABLE LAW, REWARDS, ITS OWNERS, EMPLOYEES, CONTRACTORS, PARTNERS, AFFILIATES, LICENSORS AND LICENSEES SPECIFICALLY DISCLAIM ANY AND ALL WARRANTIES, EXPRESS OR IMPLIED BY STATUTE OR OTHERWISE, INCLUDING, WITHOUT LIMITATION, WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
Release and Indemnification
Consent for Contact under the TCPA
When you fill out and submit your financing application on this web site, you give express consent to LibertyAutoLoan.com and up to five (5) automotive dealers, lenders, and/or other affiliates to contact you with regard to your loan application and/or to provide other offers as appropriate. You also give express consent that LibertyAutoLoan.com and any of these dealers, lenders, and/or other affiliates may make contact with you using automated dialing systems (ATDS), text messages, voicemail drop, as well as through automated or pre-recorded messages to any of the phone numbers that you have provided on your application even if one or more of those phone numbers is currently listed on any corporate, state, or federal “Do Not Call” list. Please note that your express consent is not required for us to provide services to you but it may be more difficult for LibertyAutoLoan.com to place your application with one of our lender or dealer affiliates if you choose to not give your consent using the “no consent” option on the financing application.
Use of Credit Reports and Personal Credit Information
Interaction Services and Posting of Information and Ideas
LibertyAutoLoan.com may, in the course of ordinary business, provide a wide variety of services on LibertyAutoLoan.com. Using some of these services, you may be able to directly interact with other users and customers of LibertyAutoLoan.com through the utilization of services such as email, blogs, forums, chat rooms, social media options, communications tools, classifieds and other user-submitted advertising (where allowed), as well as other public posting areas (“Interaction Service(s)”). LibertyAutoLoan.com cannot and does not review every posting made in our chat rooms, blogs, forums, and other public areas. These areas will include comments, opinions and general information from a diverse group of individuals and organizations. Reward does not endorse or guarantee the accuracy of any posting, even if that posting was from a member of our staff. LibertyAutoLoan.com are not responsible or liable for, and do not assume any responsibility with respect to, the views and opinions expressed by any and all individuals posting on any Interaction Service.
You agree not to submit, post, or in any way transmit through LibertyAutoLoan.com or any associated message boards, forums, blogs, chat rooms, or listings, any material that violates or infringes in any way upon the rights of others, that is unlawful, threatening, defamatory, invasive of privacy or publicity rights, obscene, profane, misleading, fraudulent or otherwise objectionable, that encourages conduct that would constitute a criminal offense or give rise to civil liability or otherwise violate any law, or that, without our express prior approval, contains advertising or solicitation messaging.
As part of your use of or interactions with LibertyAutoLoan.com and any associated Interaction Service, you may post or otherwise submit specific material, content, information, ideas, concepts, strategies, techniques, data, or inventions (collectively, “Concepts”) to our organization via LibertyAutoLoan.com. LibertyAutoLoan.com makes no claim of ownership of any such Concepts that is posted or communicated to us by customers or users however, by submitting communications, materials or Concepts to any Interaction Service or any public area of LibertyAutoLoan.com, or via email communications to LibertyAutoLoan.com, you irrevocably grant LibertyAutoLoan.com, its owners, employees, contractors, partners, affiliates and licensees the royalty-free, perpetual, non-exclusive right and license to use, reproduce, modify and distribute such material and Concepts alone or as incorporated into other works in any form on a worldwide basis. You also permit any other user of LibertyAutoLoan.com to access, view, and store or reproduce the material and/or Concepts for that user’s personal use, which may include disclosure to other parties. By posting or submitting such information, you hereby waive any and all claims that LibertyAutoLoan.com in any way violated or infringed upon or misappropriated any such materials, communications, or Concepts.
Data Security Measures
LibertyAutoLoan.com uses reasonable electronic, procedural, and physical methodologies to protect, safeguard, and help prevent unauthorized access to user data.
WHILE WE BELIEVE THESE EFFORTS TO BE REASONABLE TO HELP ENSURE THE CONFIDENTIALITY OF YOUR PRIVATE AND PERSONAL INFORMATION, EDGE MARKETING, LLC DOES NOT WARRANT AND DOES NOT GUARANTEE THE ABSOLUTE SAFETY AND SECURITY OF CONFIDENTIAL DATA
Violations of these Terms of Usage
Information we have about you, which may include your identity, may be disclosed by us to others if, in our sole judgment, we determine that such disclosure is necessary in connection with a complaint or investigation with regard to your use of LibertyAutoLoan.com. We may also disclose information about you in order to contact you or bring legal action against you, or any other person, who may be causing injury to LibertyAutoLoan.com, our general rights or property, or the rights or property of visitors, users, or customers of LibertyAutoLoan.com. At all times we reserve the right to disclose any information that is deemed necessary when we determine that applicable law requires or permits such disclosure, including exchanging information with other organizations for the purposes of fraud protection and prevention.
LibertyAutoLoan.com is owned and operated by Edge Marketing, LLC. Any and all content appearing on LibertyAutoLoan.com, including the site concept and design, written content, graphics, images, logos, icons, interfaces, and the site technological development, arrangement and assembly are the sole property of Edge Marketing, LLC, © 2012 Edge Marketing, LLC, all rights reserved.
You are given permission by us to electronically copy and/or to print portions of the web site for the purpose of submitting a Credit Application form, inquiring about or placing an order for products or services offered on LibertyAutoLoan.com, or for personal use in any research you are conducting or personal purposes. Any and all other uses of the content and materials provided on or through LibertyAutoLoan.com, including but not limited to, reproduction for purposes other than those noted, and any display, modification, transmission, distribution or reproduction of the web site or the content provided therein, is strictly prohibited without prior written permission of Edge Marketing, LLC. Any trademarks owned by third parties are trademarks of their respective companies.
Other Information and Notices
You acknowledge and agree that all electronic communications, including notices, disclosures, and other information that are provided to you by us satisfy any and all legal requirements that such communications be in writing.
You acknowledge and agree that any and all causes of action arising out of, or relating to the use of, LibertyAutoLoan.com or the Interaction Services, material, content, products or services that are or may be made available through LibertyAutoLoan.com shall be resolved on an individual basis, without resorting class action in any form.
You agree and acknowledge that this Terms of Usage constitutes the entire agreement between you and LibertyAutoLoan.com regarding the subject matter hereof.
Consent for SMS/Texting
If a mobile number is provided on our application, one or more related lenders, auto dealers, affiliates, and/or LibertyAutoLoan.com may text you information about your application or about other information requests made by you. LibertyAutoLoan.com, its related lenders or auto dealers do not charge to send or receive text messages as part of our application process. However, messages and data rates may apply. Please consult with your wireless carrier for applicable text messaging fees.
Once your mobile device has been activated, you may text STOP to the Common Short Code (“CSC”) number (CSC is either a five or six digit number) on your mobile device to opt-out of this service regarding the status of your application. Supported mobile service providers include: Alltel (part of Verizon), Appalacian Wireless, AT&T, Bluegrass Cellular, Boost Mobile, Cellcom, Cellular One from Dobson (part of AT&T), Cellular One of East Central Illinois, Cellular South, Centennial Wireless, Cincinnati Bell, Cox Wireless, Immix Wireless, Nextel (part of Sprint), nTelos Wireless, Revol Wireless, Sprint, T-Mobile, Unicel, US Cellular, Verizon Wireless, Virgin Mobile USA, West Central Wireless
We may modify or terminate our text messaging services from time to time, for any reason and without notice, including the right to terminate text messaging without notice, without liability to you, any other user or a third party. We reserve the right to modify these Terms in our Agreement of Use from time to time without notice. Please review this Agreement of Use from time to time so that you are timely notified of any changes.
Additionally, you agree that we may send any SMS Statement Notifications through your communication service provider in order to deliver them to you. You agree to provide a valid mobile phone number for these services. You further agree to indemnify, defend and hold us harmless from and against any and all claims, losses, liability, cost and expenses (including reasonable attorneys’ fee) arising from your provision of a mobile phone number that is not your own or your violation of applicable federal, state or local law, regulation or ordinance. You obligation under this paragraph shall survive termination of the Agreement of Use, SMS Statement Notification are provided for your convenience only.
Questions or Concerns
Thank you for taking the time to review the LibertyAutoLoan.com Terms of Usage. Should you have any concerns or questions about these terms or your use of LibertyAutoLoan.com as these terms relate to that use, please contact us at [email protected].
© 2012, Edge Marketing, LLC. All rights reserved.